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"FSB members highly value the face-to-face interaction they receive in-branch, particularly when making complex financial transactions, with staff who often have a greater understanding of their business and the local economy.

"In addition, many of our members deal heavily in cash and cheques and need access to over-the-counter banking facilities on a regular basis.

"Small businesses are keen to embrace the opportunities of the digital economy.

"However, barriers towards digital inclusion, such as unreliable broadband connectivity, and a lack of confidence in using digital services creates serious challenges."